| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TENTH DOT BENEFITS SOLUTIONS LLC3 Filed as: TENTH DOT BENEFITS SOLUTIONS, LLC | 4 GATEWAY CENTER, SUITE 750 PITTSBURGH, PA 15222 | SUN LIFE ASSURANCE COMPANY OF CANADA | $138K | — | $138K | 5.31% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC | 210 6TH AVENUE 30TH FLOOR PITTSBURGH, PA 15222 | SUN LIFE ASSURANCE COMPANY OF CANADA | $15K | — | $15K | 0.60% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFIT, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 7.77% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 5,160 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 155 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,315 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 56 | $1.4M |
| Dental(3 contracts, 3 carriers) | UNITED CONCORDIA LIFE AND HEALTH INSURANCE COMPANY | 6,792 | $3.1M |
| Vision(3 contracts, 2 carriers) | HM LIFE INSURANCE COMPANY (DAVIS VISION) | 4,736 | $508K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 6,668 | $2.6M |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 6,668 | $2.7M |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 6,668 | $3.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,792 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
No prospect flags tripped on this filing.